Discrepancy Madness

Today I decide to compare my actual money with the balance in YNAB so I update my bank account before I came home.

I thought it would be easy since I am really sure that I record every transaction manually for the past two months. I use a simple calculation that is 'My Bank Account Balance' + 'Cash' should be equal to 'Working Balance' in YNAB.

But that is wayyyyyy wrong! Since my records consist of both 'actual transactions' (real money spent and done) and 'virtual transactions' like credit card payment that weren't really paid yet. For my miscalculation the discrepancy was nearly 9,000! It can't be, right?

I start to rethink about it and found that the problem is involve with those 'virtual transactions'. So I made a new calculation that the 'Cleared Balance' should be equal to ('My Bank Account Balance' + 'Cash' - 'Virtual Transactions'). Came out that the result is much more accurate, however the difference is still near 2,000.

Again, I think hard about the result and how could it be. I then searching the YNAB forum for the possible answer and found that many had the similar problem. What I learn is it's not the software problem at all, it works perfectly. Some people just forget to record something, some have minor inconsistency here and there and they added up, it could be anything - for me it could be just a simple answer that I forgot to add my cash at the time I start using YNAB.

No matter what it is, just get over it, adjust the balance and move on. It's that simple.